1. 1045 POINTS
    Karl Renwanz
    Renwanz Insurance & Financial Solutions, Carlsbad, CA
    There are a number of questions that need to be answered before you can develop a short list of annuities offering the highest rates. Here are a few questions:

    Is the annuity for growth or deferred income?
    What length of time are you willing to leave your money in the annuity for growth or before you trigger income from the annuity?
    How much does insurance company rating concern you?

    There are new annuity products coming on the market each week, so the answer could change. There are other questions to consider as well and it is best to discuss your specific needs with an independent agent who can help come up with your "short list" of annuities and companies to consider.
    Answered on October 25, 2014
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